{"id":1018816,"date":"2026-11-09T10:18:26","date_gmt":"2026-11-09T15:18:26","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\/"},"modified":"2026-11-09T10:18:26","modified_gmt":"2026-11-09T15:18:26","slug":"ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\/","title":{"rendered":"ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }\n.bwlistdisc { list-style-type: disc }\n.bwuline { text-decoration: underline }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><b>ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High<\/b><\/p>\n<p class=\"bwalignc\"><i>Servicer retention declined in Q3, with cash-out refinances accounting for 75% of refinance portfolio attrition<\/i><\/p>\n<p>ATLANTA &amp; NEW YORK&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<br \/>\nIntercontinental Exchange, Inc. (NYSE: ICE), one of the world\u2019s leading providers of financial market technology and data powering global capital markets, today released the November 2026 ICE Mortgage Monitor Report. The analysis finds that home equity and the number of equity millionaires both reached record third-quarter highs, creating opportunities for lenders and servicers to engage borrowers seeking access to that wealth.<\/p>\n<p>\n\u201cHomeowners are sitting on substantial housing wealth, with 2.4 million mortgage holders now holding at least $1 million in equity,\u201d said Andy Walden, Head of Mortgage and Housing Market Research at ICE. \u201cIn a higher rate environment, cash-outs are making up a greater share of refinances, with those homeowners giving up historically low mortgage rates and taking on higher monthly payments to tap into their equity.\u201d<\/p>\n<p>\nKey findings from the November ICE Mortgage Monitor include:<\/p>\n<ul class=\"bwlistdisc\">\n<li><b>Home equity reached a record third-quarter high<br \/>\n<br \/><\/b>Mortgage holders collectively held $17.5 trillion in equity in Q3, up 1.4% year over year. Tappable equity that can be accessed while maintaining a 20% cushion rose 1.2% to an average of $204,000 per borrower, an increase of $16,600 from a year ago.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li><b>The number of equity millionaires reached a Q3 record<br \/>\n<br \/><\/b>2.4 million mortgage holders had at least $1 million in equity, up 6% year over year, while nearly 9 million held $500,000 or more, up 4%. California accounted for 49% of the nation\u2019s equity millionaires, followed by New York (189,000), New Jersey (141,000) and Florida (104,000).<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li><b>Rising rates drove increased share of cash-out refinances<br \/>\n<br \/><\/b>Cash-out transactions accounted for 1 in 7 rate locks in recent weeks, and purchase loans accounted for roughly 80% of rate locks.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li><b>ARMs remained popular due to higher rates and more attractive spreads<br \/>\n<br \/><\/b>Adjustable-rate mortgages (ARMs) accounted for more than 10% of early October rate locks as 30-year fixed rates moved above 7%. The points-adjusted spread between 5\/1 ARMs and 30-year fixed loans widened from roughly 75 basis points over the summer to more than 100 basis points in early October, further increasing the attractiveness of ARMs.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li><b>Refinance retention declined as cash-out activity grew<br \/>\n<br \/><\/b>Servicers retained 27% of refinancing borrowers, down four percentage points from the prior quarter, while retention among rate-and-term refinancers fell nine percentage points to 30%. Cash-out retention held at 26%, with servicers retaining just 15% of cash-out borrowers who took out loans in 2019 or earlier. Cash-out refinances accounted for 75% of all refinance-portfolio attrition.<\/p>\n<\/li>\n<\/ul>\n<p>\n\u201cTraditional rate-based retention strategies aren\u2019t effective for borrowers who are motivated by access to equity rather than interest rate savings,\u201d said Bob Hart, President of Mortgage Technology at ICE. \u201cTo retain these borrowers, servicers need better visibility into their equity positions and the ability to engage them before they look elsewhere. By combining ICE\u2019s retention analytics with connected technologies like MSP, Servicing Digital and Encompass, we\u2019re helping lenders and servicers identify opportunities, connect borrowers with financing options and keep those relationships intact.\u201d<\/p>\n<p>\nFurther detail on home equity, servicer retention, home price, and mortgage performance trends \u2014 including charts \u2014 can be found in the full ICE Mortgage Monitor report at <a rel=\"nofollow\" href=\"https:\/\/mortgagetech.ice.com\/resources\/data-reports\">https:\/\/mortgagetech.ice.com\/resources\/data-reports<\/a>.<\/p>\n<p><b>About the ICE Mortgage Monitor<\/b><\/p>\n<p>\nICE manages the nation\u2019s leading repository of loan-level residential mortgage data and performance information covering the majority of the overall market. The ICE Home Price Index provides one of the most complete, accurate and timely measures of home prices available, covering 95% of U.S. residential properties down to the ZIP code level. In addition, the company maintains one of the most robust public property records databases available, covering 99.9% of the U.S. population and households from more than 3,100 counties.<\/p>\n<p>\nICE\u2019s research experts carefully analyze this data to produce a summary supplemented by dozens of charts and graphs that reflect trend and point-in-time observations for the monthly Mortgage Monitor report. To review the full report, visit:<\/p>\n<p><a rel=\"nofollow\" href=\"https:\/\/mortgagetech.ice.com\/resources\/data-reports\">https:\/\/mortgagetech.ice.com\/resources\/data-reports<\/a>.<\/p>\n<p><b>About Intercontinental Exchange<\/b><\/p>\n<p><a rel=\"nofollow\" href=\"https:\/\/www.ice.com\/\">Intercontinental Exchange, Inc. <\/a>(NYSE: ICE) is a Fortune 500 company that designs, builds, and operates digital networks that connect people to opportunity. We provide financial technology and data services across major asset classes helping our customers access mission-critical workflow tools that increase transparency and efficiency. ICE\u2019s futures, equity, and options <a rel=\"nofollow\" href=\"https:\/\/www.theice.com\/about\/exchanges-clearing\">exchanges<\/a> &#8212; including the <a rel=\"nofollow\" href=\"https:\/\/www.nyse.com\/\">New York Stock Exchange<\/a><b><span class=\"bwuline\" \/><\/b>&#8212; and <a rel=\"nofollow\" href=\"https:\/\/www.theice.com\/solutions\/clearing\">clearing houses<\/a> help people invest, raise capital and manage risk. We offer some of the world\u2019s largest markets to trade and clear energy and environmental products. Our fixed income, <a rel=\"nofollow\" href=\"https:\/\/www.theice.com\/about\/fixed-income-data\">data services<\/a> and execution capabilities provide information, analytics and platforms that help our customers streamline processes and capitalize on opportunities. At <a rel=\"nofollow\" href=\"https:\/\/www.theice.com\/about\/mortgage-technology\">ICE Mortgage Technology<\/a>, we are transforming U.S. housing finance, from initial consumer engagement through loan production, closing, registration and the long-term servicing relationship. Together, ICE transforms, streamlines, and automates industries to connect our customers to opportunity.<\/p>\n<p>\nTrademarks of ICE and\/or its affiliates include Intercontinental Exchange, ICE, ICE block design, NYSE and New York Stock Exchange. Information regarding additional trademarks and intellectual property rights of Intercontinental Exchange, Inc. and\/or its affiliates is located <a rel=\"nofollow\" href=\"https:\/\/www.ice.com\/privacy-security-center\/terms-of-use\">here<\/a>. Key Information Documents for certain products covered by the EU Packaged Retail and Insurance-based Investment Products Regulation can be accessed on the relevant exchange website under the heading \u201cKey Information Documents (KIDS).\u201d<\/p>\n<p>\nSafe Harbor Statement under the Private Securities Litigation Reform Act of 1995 &#8212; Statements in this press release regarding ICE&#8217;s business that are not historical facts are &#8220;forward-looking statements&#8221; that involve risks and uncertainties. For a discussion of additional risks and uncertainties, which could cause actual results to differ from those contained in the forward-looking statements, see ICE&#8217;s Securities and Exchange Commission (SEC) filings, including, but not limited to, the risk factors in ICE&#8217;s Annual Report on Form 10-K for the year ended December 31, 2025, as filed with the SEC on February 5, 2026.<\/p>\n<p>\nCategory: Mortgage Technology<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20261109757612r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20261109757612\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20261109757612\/en\/<\/a><\/span><\/p>\n<p><b>ICE Media Contact:<br \/>\n<\/b><br \/>Johnna Szegda<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:johnna.szegda@ice.com\">johnna.szegda@ice.com<br \/>\n<\/a><br \/>+1 (404) 798-1155<\/p>\n<p><b>ICE Investor Contact:<br \/>\n<\/b><br \/>Steve Eagerton<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:steve.eagerton@ice.com\">steve.eagerton@ice.com<br \/>\n<\/a><br \/>+1 (904) 854-3683<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:investors@ice.com\">investors@ice.com<\/a><\/p>\n<p><b>KEYWORDS:<\/b> United States North America New York Georgia<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Construction &amp; Property Data Analytics Finance Asset Management Banking Professional Services Other Construction &amp; Property Residential Building &amp; Real Estate<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20261109757612\/en\/2962397\/3\/ICE_logo_large_447x439.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High Servicer retention declined in Q3, with cash-out refinances accounting for 75% of refinance portfolio attrition ATLANTA &amp; NEW YORK&#8211;(BUSINESS WIRE)&#8211; Intercontinental Exchange, Inc. (NYSE: ICE), one of the world\u2019s leading providers of financial market technology and data powering global capital markets, today released the November 2026 ICE Mortgage Monitor Report. The analysis finds that home equity and the number of equity millionaires both reached record third-quarter highs, creating opportunities for lenders and servicers to engage borrowers seeking access to that wealth. \u201cHomeowners are sitting on substantial housing wealth, with 2.4 million mortgage holders now holding at least $1 million in equity,\u201d said Andy &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-1018816","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High Servicer retention declined in Q3, with cash-out refinances accounting for 75% of refinance portfolio attrition ATLANTA &amp; NEW YORK&#8211;(BUSINESS WIRE)&#8211; Intercontinental Exchange, Inc. (NYSE: ICE), one of the world\u2019s leading providers of financial market technology and data powering global capital markets, today released the November 2026 ICE Mortgage Monitor Report. The analysis finds that home equity and the number of equity millionaires both reached record third-quarter highs, creating opportunities for lenders and servicers to engage borrowers seeking access to that wealth. \u201cHomeowners are sitting on substantial housing wealth, with 2.4 million mortgage holders now holding at least $1 million in equity,\u201d said Andy &hellip; Continue reading &quot;ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-11-09T15:18:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20261109757612r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High\",\"datePublished\":\"2026-11-09T15:18:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\\\/\"},\"wordCount\":1051,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cts.businesswire.com\\\/ct\\\/CT?id=bwnews&amp;sty=20261109757612r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\\\/\",\"name\":\"ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High - 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Market Newsdesk","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.marketnewsdesk.com\/index.php\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\/","og_locale":"en_US","og_type":"article","og_title":"ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High - Market Newsdesk","og_description":"ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High Servicer retention declined in Q3, with cash-out refinances accounting for 75% of refinance portfolio attrition ATLANTA &amp; NEW YORK&#8211;(BUSINESS WIRE)&#8211; Intercontinental Exchange, Inc. (NYSE: ICE), one of the world\u2019s leading providers of financial market technology and data powering global capital markets, today released the November 2026 ICE Mortgage Monitor Report. The analysis finds that home equity and the number of equity millionaires both reached record third-quarter highs, creating opportunities for lenders and servicers to engage borrowers seeking access to that wealth. \u201cHomeowners are sitting on substantial housing wealth, with 2.4 million mortgage holders now holding at least $1 million in equity,\u201d said Andy &hellip; Continue reading \"ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\/","og_site_name":"Market Newsdesk","article_published_time":"2026-11-09T15:18:26+00:00","og_image":[{"url":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20261109757612r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High","datePublished":"2026-11-09T15:18:26+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\/"},"wordCount":1051,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\/#primaryimage"},"thumbnailUrl":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20261109757612r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/ice-mortgage-monitor-2-4-million-mortgage-holders-are-equity-millionaires-as-q3-home-equity-hits-record-high\/","name":"ICE Mortgage Monitor: 2.4 Million Mortgage Holders Are Equity Millionaires as Q3 Home Equity Hits Record High - 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